Opinions/Help Needed
I discovered a Collection account on my report. After looking into the issue, looks like my payment to the original creditor was made after my debt was sent to collections. The original creditor accepted the payment and said nothing about collections.
Categories: Rebuilding Credit Tags: collection, further-pursue, issue, opinion, paid-collection, payment, report, said-nothing, start-service, the-original, time
Company Reporting Is Not Reporting Legit Info
I am in a bad situation with a company reporting a collection on me that should not be. I have researched this company online and they have done this many times in the past. Even though I have disputed it to all the credit reporting agencies, all they say is that the company says its the correct information! Basically, I stopped at a Beeper's and Phones location to pick up a cell phone on my way home from a trip because it was the only time I had to get one.
Categories: Rebuilding Credit Tags: account, alltel, collection, contract, credit, Credit Score, situation, time
where do i start first?
Hi everyone. I am going to list all my baddies and hope to get feedback on what I should tackle first and what can be done about any/all of these.
Categories: Rebuilding Credit Tags: another-lender, another-medical, baddies, collateral-sold, lender, medical, once-as-closed, paid-settlement, removal-date, reporting-twice, should-tackle, time, twice-on-credit, zero-balance
Experian
So I have been disputing for three months now with Experian and a collection agency Equinox collection services. For these three months I have sent debt validation letters to equinox to no avail.
Categories: Rebuilding Credit Tags: account, business, collection, collections, debt-validation, disputed-under, fcra, the-collection, the-collections, time, under-the-fcra
Delete collection due to statue of limitation
Still kinda of new to this board and I've been doing a lot some reading about the "statute of limitation" issue. I'm wondering if you have a medical collection on your report that's unpaid if it would be possible to use the "statute of limitation" issue to leverage a PFD letter . Thinking of collection that need to get rid of that's over 7yrs old
Categories: Rebuilding Credit Tags: based-on-fact, been-doing, board, little-more, not-being, over-7yrs, report, time, your-report
ahven’havPaid Midland without a PFD, but settled in full, how to dispute
Before I found this forum, I made settlement offers with all my baddies. I settled in full with Midland Credit Management on two accounts. They haven't reported an updated balance of $0 yet. I want to go ahead and dispute this account, either to correct the balance information or have it go away completely. I have read that Midland often won't respond to the CRA once an account is settled and paid because they don't want to waste their time. My question is, when I dispute the account, should I say, "not mine" or should I say, "paid" and send in the settlement letter with a copy of the receipt of mail, and a copy of the check. My hope is they try to verify teh account and Midland doesn't respond and it gets deleted. But if i dispute saying paid, will they just update the information to paid. My feeling is to dispute, "account not mine" And the best that happens is that is come back deleted because they won't respond or the 2nd best option is it comes back as paid with a zero balance.
Categories: Rebuilding Credit Tags: account, back-as-paid, baddies, balance, deleted-because, dispute-saying, made-settlement, management, midland-credit, receipt, settlement, the-information, the-settlement, time, updated-balance
Opinion on GW for lates, entire TL or both..
I have a few questions I could use a little help on....Been try to clean up our credit report and have some serious lates, bad debt/collection status' that are dragging our scores down terribly. My apologies out of the gate for so many questions to come... First - if the status on an account states Bad Debt/Collection, but is not listed on the collection part of the credit report, is it still treated score wise as a collection? We have Four (yikes!!) Bad debt/collection status' on closed accounts from 2008 - where we went through some rough financial times and settled those accounts with letters stating settlement amount as full payment no further obligaton . All four have serious derog marks for lates - 30's - 120's. Are the lates bringing down the scores too, or is the status in itself doing enough damage? Will GW'ing the lates on these accounts help? (I realize it will still say Bad debt/collection) Or would it be best to just ask for removal of the entire Tradeline? Two of them are Chase, one is RBS and the last is Discover (although Discover states Paid as agreed in the status, but settled in the comments section).....Furthermore, what should I say in the GW letters? As outlandish as it sounds - some day we would like to have at least the Discover card again - and what sucks is that card we had since 1998.. (although this time, using is wisely) ..Thanks all!
Categories: Rebuilding Credit Tags: account-states, closed-accounts, discover, obligaton, paid-as-agreed, scores, these-accounts, time
GW Success from COLLECTRON OF ATLANTA
My first GW letter worked! OMG! I'm SO EXCITED!!! Sent Collectron of Atlanta a GW letter on Aug, 9th and received a prompt and polite letter back on Aug 19th stating that they've contacted all the CRA's to remove the baddie! Hooray! I used another GW letter from this board as a template. Thank You All SO MUCH! Below is a copy of what I sent in case someone else needs something like it. Aug
Categories: Rebuilding Credit Tags: account, atlanta, collection, collectron, financial, fulton-cotton, irresponsible, REPRESENTATIVES, stop-at-nothing, time, wife
CA’s coming out of closet = Because my score is improving ?
Ok. n00ber here. Lurking for a year. great site
Categories: Rebuilding Credit Tags: creditor, debt, drop-the-matter, Lawyer, orchard-bank, over-the-last, palisades, score, time
2 tradelines on my CR for 1 alleged debt? Confused…
I am really confused... I have gotten a lot of help from my previous post but I am starting to think there is more going on than I initially thought. If you read my post from yesterday, you see that I received a call from Turning Point Capital in relation to an alleged debt from OC of Fleetbank.
Categories: Rebuilding Credit Tags: account-numbers, advice-on-how, experian-credit, experian-entry, party, passed-the-sol, records-showed, security, security-credit, time, tradeline, transunion